Vehicle traffic accidents due and not the annual insurance deductible not established

     Driving without inspection of motor vehicle accident death, insurance companies to the vehicle without a valid driving license and refuse to claim. Recently, Rugao City, Jiangsu province people's court verdict on the case, any insurance company full claims.

     In February 9, 2012, the Chen's company for 92 employees, with the defendant to insurance companies by the group accidental injury insurance, additional unexpected injury group medical insurance. In July 5th the same year, Chen and Zhang motorcycle electric bicycle accidents caused by driver, Chen, Zhang were injured, two vehicles damaged, after the incident, Chen after rescue invalid on the day of death. Traffic police brigade that, Chen driving without provisions for periodic technical inspections of safety of motor vehicles, in case of measures properly, the same negative accident responsibility. The day after the accident, the traffic police brigade vehicle safety technology inspection station Inspection Commission, results for the brake, steering, horn are qualified. Chen's successor to the insurance company to put forward the claim was rejected.

     Court that, the accident vehicles, although not the regular safety inspection, but the car in the accident by checking brake, steering and lighting are qualified, Chen, I also hold E driver's license, can identify accident vehicle does not exist security risks in the event of an accident, the reason of the non accident, responsibility the situation does not belong to the insurance clauses of the contract to avoid the insured driving without a valid driving license and vehicle during the accident shall not claim.

Wang Zhiyong.In December 19, 2013, the people's court at